CN110023978A

CN110023978A - Mobile-payment system

Info

Publication number: CN110023978A
Application number: CN201780073837.0A
Authority: CN
Inventors: 刘红; 凯沙夫·纳西普尔
Original assignee: American Express Travel Related Services Co Inc
Current assignee: American Express Travel Related Services Co Inc
Priority date: 2016-11-30
Filing date: 2017-10-19
Publication date: 2019-07-16
Also published as: AU2017367826A1; US20180150816A1; EP3549083A1; CA3045611A1; CA3045611C; EP3549083A4; MX2019006226A; AU2021202583A1; WO2018102044A1; EP3549083B1; US11995632B1

Abstract

System may include: receiving device identifier to create received device identifier, and the received device identifier is associated with the personal POS terminal in the equipment for being associated with consumer；The device identifier stored is matched with the received device identifier；Enable the personal POS terminal in equipment associated with the device identifier that this is stored；And/or receive the payment token for transaction associated with the trading account for being associated with consumer.

Description

Mobile-payment system

Cross reference to related applications

This application claims on November 30th, 2016, the U.S. of " Mobile Payment System " submitting, entitled was special The priority of sharp patent application serial numbers 15/365,598, content are totally integrating herein by reference.

Technical field

Present disclosure relates generally to the system and method for mobile-payment system.

Background technique

The consumer to trade with trade company either on line still face to face may need to provide itself and trading account Associated transaction account information.It traditionally, can be with (that is, consumer is just in actual trade company place) during trading face to face Via include virtual payment tool stored value card or via with entity (physical, physics, in kind) merchant location The entity pays tool of point of sale (POS) terminal interaction at place provides transaction account information to trade company.In e-commerce transaction (that is, the transaction carried out on line, such as carried out by the website of trade company) during, transaction account information can be inputted branch by consumer Pay webpage.The rear end transmitting of account information may occur between trade company, stored value card and/or any other system or server, To complete transaction, this may cause exposure to information.

The bank of issue may issue entity pays tool or stored value card with secret payment voucher, secret payment voucher For calculating password according to Transaction Details (e.g., transaction amount, date, merchant information etc.).Therefore, wherein to entity merchant location The POS terminal at place shows that the transaction face to face of entity pays tool or stored value card has non repudiation guarantee, and risk of fraud It may be lower.

Summary of the invention

Disclose the system, method and product (collectively referred to as " system ") for being related to mobile-payment system.In various embodiments In, system may be configured to execute operation, comprising: by processor receiving device identifier to create received device identification Symbol, the received device identifier are associated with the personal POS terminal in the equipment for being associated with consumer；By processor by institute The device identifier of storage is matched with the received device identifier；It is enabled and the equipment mark stored by processor Know the personal POS terminal accorded in associated equipment；And/or it receives and is associated with by processor and via personal POS terminal The associated payment token for transaction of the trading account of consumer.

It in various embodiments, can be to customer requests' device identifier.In various embodiments, consumer can To phone numbers as device identifier input virtual terminal system.Virtual terminal system is desirably integrated into associated with trade company Line in shop.In various embodiments, personal POS terminal can be generated device identifier and send device identifier To processor.In various embodiments, operation can also include: to pass through place in response to enabling the personal POS terminal in equipment Manage the Transaction Details of device indicating equipment display transaction.Operation can also include receiving action response by processor, wherein movement Response includes: in response to the enabling to personal POS terminal, and consumer accepts or rejects transaction.In various embodiments, it operates It can also include requesting to be paid from trading account by processor.It in various embodiments, can be by following Xiang Zhongzhi It is one of few to generate payment token: it is associated with consumer, physically close to or contact arrangement the means of payment；Or with individual The stored value card of POS terminal communication.In various embodiments, personal POS terminal can be downloaded to equipment.

Detailed description of the invention

The conclusion part of specification points out the theme of present disclosure and is distinctly claimed the theme.So And it is considered in conjunction with the accompanying best to have present disclosure referring to specific embodiment and claim and more fully manage Solution.

Fig. 1 shows example mobile-payment system according to various embodiments；

Fig. 2 shows the streams for describing the exemplary method that transaction is initiated using mobile-payment system according to various embodiments Cheng Tu；And

Fig. 3 shows the stream for describing the exemplary method traded using mobile-payment system according to various embodiments Cheng Tu；

Specific embodiment

Present disclosure, which is related generally to, manages transaction by receiving and analyzing transaction identification information.Each reality herein The detailed description of mode is applied referring to attached drawing, attached drawing diagrammatically illustrates example embodiment.Although in order to make this field Technical staff can practice present disclosure and these example embodiments are described in detail enough, it should be appreciated that not depart from this Other embodiments may be implemented in the case where the spirit and scope of disclosure and can modify in logic and mechanically. Therefore, given herein to be described in detail solely for the purpose of illustration rather than limit.For example, in any method or process description The step of description, can execute in any order, however it is not limited to shown sequence.In addition, any function or step can be with outsourcing Implement to one or more third parties or by third party.In addition, the odd number mentioned in every case includes plural embodiment, as long as mentioning It may each comprise singular embodiment to more than one component.

Referring to Fig.1, example mobile-payment system according to various embodiments is disclosed.System 100 can permit consumption Person, which has, carries out the checkout for trading similar experience in entity merchant location.Therefore, the transaction that system 100 is realized can have and reality The low risk of fraud of same or like level of trading face to face at the POS terminal of border, non repudiation guarantee.For example, system 100 can With allow consumer by equipment to consumer with mobile personal point of sale (POS) terminal (that is, equipment 120, such as Mobile device) entity pays tool is shown to pay to transaction.In various embodiments, personal POS terminal can be App in equipment.Personal POS terminal is used by mobile device and provides the other software of POS function.It is personal POS terminal may include hardware, the combination of hardware and software or all software.Consumer can also use virtual payment work Tool.Virtual payment tool can store in stored value card, wherein stored value card can be communicated with personal POS terminal, such as herein It is described further.

In various embodiments, system 100 may include equipment 120, commerce system 130 and/or service system 140. All or any subsets of the component of system 100 can via network 180 with communicate with one another.System 100 can permit various It is integrated between component.In various embodiments, integrating can be occurred by following manner, and such mode is system 100 A component transmit script to other component, other component can download and/or execute the script.For example, service system 140 Service script can be transmitted to equipment 120 and/or commerce system 130 via network 180.Equipment 120 and/or commerce system 130 Can download and/or execute the service script for carrying out self service system 140, thus by service system 140 be integrated into equipment 120 and/ Or in commerce system 130.For example, service system 140 can be by integrated between commerce system 130 and service system 140 Commerce system 130 provides virtual terminal system 134.System 100 can be based on computer, and may include processor, tangible non- Temporary computer-readable memory and/or network interface.The instruction being stored on tangible non-transitory memory can permit System 100 implements various functions, as described herein.

In various embodiments, equipment 120 may include hardware and/or software component.For example, equipment 120 can wrap Include operating system (e.g.,).(e.g., equipment 120 can be any equipment for allowing user to communicate with network 180 Personal computer, personal digital assistant are (e.g., ), plate, cellular phone etc. Deng).Equipment 120 can be communicated via network 180 with commerce system 130 and/or service system 140.In various embodiments, Equipment 120 (e.g., can pass through in equipment 120 via near-field communication (NFC) with entity instrument of exchange such as entity pays tool Host card mold intends (HCE) hardware and software) or the communication of stored value card 124.Equipment 120 can participate in system, trade company via network 180 Any or all function that system 130 and/or service system 140 are implemented.

Equipment 120 includes via for example all those of the as discussed herein any equipment that is communicated of network of any network (e.g., personal computer, mobile device etc.).In various embodiments, equipment 120 may include and/or operation browser is all Such asINTERNET Safari can be clear Look at any other various software package of internet.For example, browser can be via network 180 by using installing in browser Internet browsing software is communicated with commerce system 130.Browser may include being mounted in computing unit or system to carry out on line The internet browsing software of transaction and/or communication.These computing units or system can be using the shapes of computer or calculating unit Formula, but other kinds of computing unit or system, including laptop computer also can be used, laptop, tablet computer, Handheld computer, personal digital assistant, set-top box, work station, computer server, mainframe computer, minicomputer, PC clothes Business device, universal computer, network query function unit, personal computer, such asWithSelf-service terminal, terminating machine, point of sale (POS) equipment and/or terminal, TV or can pass through network Receive any other equipment of data.In various embodiments, browser may be configured to display electron channel.

In various embodiments, equipment 120 may include stored value card 124.Stored value card 124 can be with consumer's phase Association, and can store associated with one or more trading accounts (that is, credit card, the debit card etc.) of consumer is associated with Transaction account information.In various embodiments, stored value card 124 may include promote it is personal carry out face to face, e-commerce and/ Or the software and/or hardware of Mobile business transaction.In this way, the stored value card 124 that consumer can be used in consumer is completed and quotient The transaction at family, for example, completing transaction by selecting trading account for being paid in stored value card 124.It can be by such as Under type promotes transaction: the mode be stored value card 124 according to the Transaction Details of transaction (e.g., merchant identification, purchase production Product/service, the purchase amount of money, trade date etc.) password is calculated, summarize the payment of consumer and/or information of making out a bill, with the quotient that notes down Family and/or by the payment information of consumer, transaction account information and/or information of making out a bill be transmitted to commerce system 130 and/or service be System 140.

In various embodiments, commerce system 130 may include hardware and/or software component.For example, commerce system 130 may include suitable server operating system (e.g., the Microsoft Internet Information of operation Services or " IIS ") server unit.Commerce system 130 can communicate with service system 140 and can be (via service System 140) it is communicated with equipment 120 (indirect).In various embodiments, commerce system 130 can collect with service system 140 At.Trade company with commerce system 130 can integrate service system 140, and service system 140 is allowed to complete in response to consumer Transaction with trade company receives and/or handles the payment to trade company.In various embodiments, commerce system 130 may include void Quasi- terminal system 134, virtual terminal system may include graphic user interface (GUI) software, quotient on graphic user interface and line Shop is integrated, consumer can shopping on line, from merchant purchasing cargo or service.

In various embodiments, commerce system 130 may include virtual terminal system 134, and virtual terminal system can be with It is the system that trade company can carry out payment transaction (e.g., e-commerce or Mobile business are traded) with consumer.Consumer can be The checkout page access virtual terminal system 134 of merchant website.In various embodiments, virtual terminal system 134 can be One of a variety of method of payment options method of payment option, consumer can select in trade company's checkout page from a variety of methods of payment It is selected in.In various embodiments, virtual terminal system 134 can be provided with EMV standard transaction security and not The property denied, method of mobile payment using personal selling point (" POS ") terminal in equipment 120, such as further institute herein It states.Pass through the method for payment of virtual terminal system 134 in response to consumer's selection, GUI can be enabled as virtual terminal system System 134, and consumer entering device identifier associated with the equipment 120 of consumer can be prompted, complete the part of transaction Or all.It can be by the way that the device identifier inputted and Transaction Details (e.g., trading volume, commodity or merchant information etc.) be passed through together Service system 140 --- service system realizes the security data exchange with personal POS terminal 122 --- is communicated to by network 180 To realize being associated between the device identifier of input and the personal POS terminal 122 in equipment 120.Then, virtual terminal system 134 GUI can indicate consumer pay close attention to (attend to is handled, is dedicated to) consumer equipment 120 (e.g., mobile device, Mobile phone, plate etc.), complete some or all of transaction.By integrated between commerce system 130 and service system 140, Virtual terminal system 134 and GUI can be provided by service system 140.Virtual terminal system 134 can be service system 140 Part communicates with.

In various embodiments, equipment 120 may include personal POS terminal 122, and personal POS terminal can be by servicing System 140 provides and/or can download and (e.g., download from application shop).Personal POS terminal 122 can be service system 140 Part simultaneously communicates with, and by using the consumer of equipment 120 to use.Personal POS terminal 122, which can be consumer, to be passed through The system (or application program in mobile device) that payment token pays transaction is provided to personal POS terminal 122.It is personal POS terminal 122 may include means of payment accepting device (" PIAD "), will pass through entity pays associated with trading account Tool (e.g., label account card) is paid.In order to avoid stringent safety and control require, personal POS terminal 122 be can simplify, Always authorization starts payment transaction on the line to request the bank of issue, and there is no need to store to be used for line for POS terminal 122 personal in this way The sensitive data of lower approval.In addition, in various embodiments, personal POS terminal 122 can not support specific card holder to test Card, e.g., PIN(Personal Identification Number) under the line in EMV specification or on line) because the user that interact with personal POS terminal 122 unlocks Equipment 120 can provide the user's checking of device level.

In various embodiments, personal POS terminal 122 can be interacted with stored value card 124, will be with trading account phase Associated virtual payment tool those of (e.g., be stored in stored value card 124) is used as the means of payment.

In various embodiments, PIAD may be configured to by exchanging Application Protocol Data Unit via NFC (APDU) payment token is received from the entity pays tool (for example, charge card) contacted with equipment 120 or near equipment.Equipment 120 may include the hardware for allowing NFC communication function, and such as host card mold intends (HCE) equipment.PIAD, which can be used, allows NFC The hardware of communication is to receive payment token from entity pays tool during transaction.

In various embodiments, service system 140 may include can storing data and/or analyze information hardware and/ Or software.Service system 140 may include suitable server operating system (e.g., the MICROSOFT INTERNET of operation INFORMATION SERVICES or " IIS ") and the server unit of database software (e.g., ORACLE) is installed thereon. Service system 140 can carry out electronic communication with equipment 120 and/or commerce system 130.In various embodiments, service system System 140 can be by the virtual terminal system that is used to trade and (e.g., talk with for currently settling accounts) at commerce system 130 in transaction 134 safely associate with the personal POS terminal 122 of the equipment 120 of individual consumer.In various embodiments, it services System 140 can be associated with single service is received, and receives the member trade company that point of sales terminal is deployed in Shou Dan service organization by single service Place.In this embodiment, service system 140 can be responsible for and sign and issue between the bank of issue of the trading account of consumer Clearing.

In various embodiments, service system 140 may include information database 142.Information database 142 can be deposited Store up one or more device identifiers, wherein each device identifier is associated at least one equipment 120, and each Equipment 120 is associated with consumer or customer profile.In various embodiments, consumer can be by his or her equipment 120 carried out in service system 140 and/or information database 142 it is registered in advance.In this case, service system 140 can be to The 120 distributing equipment identifier of equipment of consumer belongs to the equipment 120 of the consumer using device identifier connection, and is setting It is safely associated between standby 120 and service system 140 and conveys transaction data.In consumer not in service system 140 In the various embodiments of his or her equipment 120 registered in advance, movement number associated with equipment 120 is can be used in consumer Code replaces device identifier.With mobile number, (consumer can input virtual terminal system 134 during transaction receiving In mobile number) service request when, service system 140 can communicate (e.g., via telecommunication network) with equipment 120 and can be with Prompt consumer in the personal POS terminal 122 downloaded and installed of equipment 120, if downloading and installing not yet, and to setting Standby 120 distributing equipment identifiers are stored in information database 142.

In various embodiments, service system 140 may include acquiring system 144.In various embodiments, it receives single System 144 can be independently of service system 140.Acquiring system 144 may be configured to the received branch of personal POS terminal 122 It pays token and is conveyed to the bank of issue associated with instrument of exchange used in transaction for authorizing.It is clothes in acquiring system 144 In the various embodiments of a part of business system 140, service system conveys the received payment token of personal POS terminal 122 To the associated bank of issue.In various embodiments of the acquiring system 144 independently of service system 140, service system 140 can Payment token is conveyed to the independent acquiring system, then acquiring system can be further processed token (that is, being sent to pass The bank of issue of connection is for authorizing).

In various embodiments, network 180 can be open network or closed network.Open network can be The accessible network of various third parties.In this regard, open network can be internet, typical transaction network etc..It rings It should can also be closed network in a part that acquiring system 144 is service system 140, network 180.In this regard, network 180 can be closed network, such as American Express and/or the network of acquirer operation.Add in addition, closed network can be configured with Strong safety and monitoring capacity.In this regard, network 180 may be configured to monitor the user on network 180.With regard to this Speech, closed network can be secure network, and can be the environment with reinforcement security function that can be monitored.

About Fig. 2 to Fig. 3, discribed process flow is only the embodiment in various embodiments, is not intended to limit System scope of the present disclosure.For example, the step of describing in any method or process description can execute in any order, and It is not limited to shown sequence.It is to be understood that description herein is not only appropriate to mention that the step of Fig. 2 describes into Fig. 3 and consumer Interface element, it is also mentioned above with reference to the various system units of Fig. 1 description.

According to various embodiments, Fig. 2 is depicted for initiating transaction (e.g., using mobile-payment system such as system 100 E-commerce or Mobile business transaction) exemplary method 200.In various embodiments, in conjunction with referring to Figures 1 and 2, consumer Can initiate with the transaction (step 202) of trade company (e.g., via shop on line associated with trade company), and can choose virtual end The system that 134 (step 204) of end system pays transaction as promotion.

In various embodiments, trade company may register in service system 140, and service system 140 can be to quotient Family system 130 provides virtual terminal system 134 and/or commerce system 130 and can communicate with virtual terminal system 134.Various In embodiment, virtual terminal system 134 can be shown to via personal 122 input equipment identifier of POS terminal and/or shifting Dynamic number completes the gui option of transaction.

In various embodiments, it has been registered in service system 140 in response to trade company, the transmission between component in system It may include the merchant identifiers of trade company involved in identification transaction.In response to trade company is identified as to participate in trade company, service system System 140 can enable the virtual terminal system 134 on commerce system 130.System 140 can distribute for virtual terminal system 134 Required identifier, configuration and/or script are communicated with service system 140.In various embodiments, virtual terminal system 134 Can always or can periodically based on consumer, geographical location, purchase the amount of money, purchase article and/or any other factor mention For GUI.

Virtual terminal system 134 can be associated with the equipment 120 of consumer is associated with to customer requests by GUI Device identifier.In various embodiments, device identifier can be any mark associated with the equipment 120 of consumer Symbol such as has registered his or her personal POS terminal 122 and/or equipment 120 in service system 140 in response to consumer and divides The device identifier matched, or such as telephone number, if equipment 120 is mobile phone.In various embodiments, if Standby identifier can distribute to multiple equipment 120 associated with consumer.Device identifier can also include the token generated.

In various embodiments, consumer can be provided by the way that device identifier is inputted virtual terminal system 134 Device identifier.Consumer can also provide device identification by providing bio-identification identifier associated with consumer Symbol, the consumer are associated with device identifier and/or equipment 120.Virtual terminal system 134 can receive device identifier (step 206).If consumer does not register his or her equipment 120 in service system 140, device identifier can be movement Telephone number, and when receiving the Mobile Directory Number, it is whole that service system 140 can prompt equipment 120 to download personal POS End 122.No matter whether equipment 120 is registered in advance, and Mobile Directory Number can be used as device identifier.It is selected in response to consumer Select 100 receiving device identifier (step 206) of 134 (step 204) of virtual terminal system and/or system, virtual terminal system 134 And/or GUI can indicate that consumer pays close attention to its 120 (step 208) of equipment.In various embodiments, consumer is allowed to pay close attention to it The instruction of equipment 120 can be to the universal command of any equipment or specific to equipment 120 associated with device identifier Instruction.

According to various embodiments, Fig. 3 is depicted for using what mobile-payment system such as system 100 traded to show Example method 300.In various embodiments, in conjunction with referring to Figure 1 and Figure 3, virtual terminal 134 can receive device identifier (step It is rapid 302) and by device identifier to be transmitted to service system 140.Service system 140 can be by received device identifier and information The device identifier stored in database 142 is matched (step 304).In response to by received device identifier with deposited Storage device identifier is matched (and retrieving parameter associated with associated equipment 120 and/or personal POS terminal 122), clothes Business system 140 can enable the 122 (step 306) of personal POS terminal in equipment 120 associated with device identifier and (e.g., lead to Cross the sending out notice on 122 presentation device 120 of matched personal POS terminal).In various embodiments, service system 140 Order can be transmitted, and to enable and/or open personal POS terminal 122, (it, which can be, listens to the software of particular port and answers in equipment With).Therefore, the equipment that personal POS terminal 122 can enable automatically consumer acts on equipment 120 without consumer.Each In kind embodiment, virtual terminal system 134 and/or GUI can indicate that consumer pays close attention to its 120 (step 208) of equipment, and In response, consumer can enable the personal POS terminal 122 in equipment 120.

In various embodiments, it is activated in response to personal POS terminal 122, service system 140 can be with indicating equipment 120 display Transaction Details (steps 308) (e.g., merchant identification, product/service of purchase, the purchase amount of money, trade date etc.).Make For response, personal POS terminal 122 and/or equipment 120 can show Transaction Details (step 310) on a display screen.In various realities It applies in mode, can show the option for accepting or rejecting transaction to consumer by personal POS terminal 122.Consumer can connect By or refusal transaction, and personal POS terminal 122 and/or service system 140 can receive and show that consumer is to receive transaction also It is the action response (step 312) of refusal transaction.In various embodiments, consumer can be by action response input equipment Personal POS terminal 122 on 120, and action response can be transmitted to service system 140 by personal POS terminal 122.Each In kind embodiment, consumer can be received with continuous business check-out process tacit declaration.

Receive transaction in response to consumer, service system 140 and/or personal POS terminal 122 can be paid with requesting consumption person (step 314) is to trade.Entity pays tool (e.g., credit or debit card) can be placed on as described herein by consumer Equipment 120 PIAD nearby or be in contact with it, personal POS terminal 122 will from entity pays tool receive payment token, or Consumer can unlock stored value card 124 to be paid with the virtual payment tool stored in stored value card 124.

In various embodiments, PIAD may be configured to generate payment token and/or by logical with stored value card 124 The personal POS terminal 122 of letter receives payment token (step 316) from virtual payment tool.Stored value card can store one or Multiple virtual payment tools.It selects to pay using the virtual payment tool in stored value card 124 in response to consumer, each In kind embodiment, stored value card 124 may need consumer to carry out account holder's verifying, and such as password, password, biology are known Any other of other identifier or consumer associated with virtual payment tool verifying, to unlock stored value card 124.Electronic money Packet 124 can receive account holder's verifying and compare account holder verifying and account holder's verifying of storage Compared with.Match in response to account holder's verifying of consumer and account holder's verifying of storage, personal POS terminal 122 can To generate payment token and/or receive payment token (step 316) from virtual payment tool.In response to receiving payment token, The payment token can be transmitted to service system 140 by personal POS terminal 122.Payment token may include with trading account and/ Or the associated unique identifier of the means of payment, transaction and merchant data/identifier for transaction and according to Transaction Details Password, to prevent the unwarranted change of payment token, and provide the bank of issue sending the means of payment existing for authenticity. The payment token received can be transmitted to independent Shou Dan service organization by service system 140, to continue to handle.If Service system 140 includes acquiring system 144, then service system 140 can be handled payment transaction by following manner: with Trading account publisher connection (affiliating with, with ... contacts) and requests transaction account issuers authorization transaction, and Approval or refusal decision are sent back to the virtual terminal system 134 of commerce system 130.In response to receiving the approval of publisher (or refusal) transaction, virtual terminal system 134 and/or commerce system 130 will purchase in end lines (e.g., notify consumer and/or Arrange delivery plan).

In various embodiments, Mobile POS Terminal 122 and/or virtual terminal system 134 can be service system 140 The component being integrated into webpage client 120 (that is, consumer device) and/or commerce system 130.Therefore, because webpage is objective It is integrated between integrated and commerce system 130 and service system 140 between family end 120 and service system 140, mobile POS The institute as described herein that terminal 122 and/or virtual terminal system 134 are implemented is functional and movement can be by service system 140 implement.

All parts in system 100 can via data link individually, separate or collective be compatibly coupled to each other and/or It is couple to network 180, data link includes the connection for example by local loop and Internet Service Provider (ISP), described Local loop is usually used with following related ground: standard modem communication, cable modem, DishISDN, Digital Subscriber Line (DSL) or various wireless communications methods, see, for example, The UNDERSTANDING DATA COMMUNICATIONS (1996) of GILBERT HELD, is incorporated herein by reference.It wants Note that network can be implemented as other kinds of network, such as interactive television (ITV) network.Pass through in addition, system contemplates Any cargo, service or the information that any network with similar functions described herein carries out being used and sold or distributing.

In various embodiments, system and method may include the equipment in subscriber (e.g., user, consumer etc.) 120 (e.g., computers) remind subscriber when offline.System may include generating self-defined information and prompting remote subscriber can be with The information is accessed from its computer.Based on subscriber's preference information, the information received by filtering is established information reminding and is incited somebody to action The format of prompting is set as data block to generate and remind.Data block is transferred to the wireless device of subscriber, when wireless device connects When being connected to computer computer can started to apply to show information reminding automatically, and provides to more detailed about information reminding The access of information.More particularly, method may include: to provide viewer application to subscriber, to be mounted on remote subscriber On computer；The information sent from data source is received at transmission server by internet, transmission server includes micro process Device and memory, memory store remote subscriber for information format, destination address, specify information and transmission time Preference, wherein microprocessor, which passes through, is compared to the information that filtering receives for the information received and specify information；Root Information reminding is generated according to the filtering information comprising name, price and uniform resource locator (URL), uniform resource locator is specified The position of data source；Data block is set by the format of information reminding according to the information format；And according to destination address and Formatted information is transmitted to wireless device associated with subscriber to transmission time by channel by wireless communication, wherein is mentioned Application can be enabled by waking up, and show that information reminding on remote subscriber computer, and is being connected locally to remotely in wireless device Pass through the connection of internet realization and data source via URL when subscriber's computer and online remote subscriber computer.

In various embodiments, system and method may include graphic user interface (that is, being included in equipment 120), Graphic user interface can allow automatically for dynamically relocating/readjusting the covered text information of lower windows User checks.This text information may include in such as merchant website of merchant pos terminal 132 or entity pays terminal, if In the display screen for showing personal POS terminal 122 and/or stored value card 124 on standby 120, and/or shown to consumer or user In any other interface.By allowing dynamically to relocate text information, the energy of computer display information according to stacked situation Power improves.More particularly, for dynamically relocating the text information in the lower windows shown on a graphical user interface Method may include: in graphic user interface in computer screen (for example including in equipment 120) display include the The first window of the text information of one format；The second window is shown in graphic user interface；Constantly monitoring first window and the The boundary of two windows is stacked and placed on first window with the second window of detection and makes the text information in first window covered and user The stacked situation that can not be checked；Determination can not completely check text envelope if the non-cover part for being repositioned onto first window Breath；The first of the area of first window is calculated to estimate and the area of the not covered part of first window second is estimated；It calculates The proportionality factor proportional to the difference between first estimates and second estimates；The ratio of text information is set according to proportionality factor； The text information of Set scale is repositioned to by the first window by processor automatically in the second format during stacked situation The not covered part of mouth enables a user to the text information for checking entire Set scale on the computer screen；And work as The text information of the Set scale of repositioning is restored in first window by processor when no longer there is stacked situation For the first format.

In various embodiments, system can also include by malicious code from electronic information (e.g., Email) interval From and remove, to prevent computer, server and/or system damage, such as infected by computer virus.System can scan electricity The malicious computer code of sub- letter, and the electronic letter is removed before malicious computer code may make malicious act. The operation of system is that the electronic letter received is physically isolated in " isolation " area of calculator memory.Isolated area is computer Operating system creation memory block so that the file for not allowing to be stored in the area works to the file except the area.When every After storing the letter comprising malicious code in area, the data for including in letter and the instruction stored in property data base are disliked The mode of meaning code is compared.Show the property of malicious code in the presence of the mode of specific instruction malicious code.Characteristic Library further includes the code signing for representing the beginning and end of malicious code.Then by malicious code from the letter containing malicious code It extracts.Extraction procedure is run by the document analysis component of processing unit.Document analysis program implements operations described below: scanning letter Letter, the malicious code for searching identification start symbol；Label starts each warp between symbol and the malicious code terminating symbol of connecting The byte of scanning；It continues to scan on, until no longer finding that malicious code starts symbol；And by sequentially by all unlabelled data Byte is copied to new file to create new data file, therefore forms clean communication file.New clean letter quilt It is transferred to the non-isolated area of calculator memory.Then remove all data in isolated area.More particularly, system includes for leading to It crosses the method that following manner protects computer not influenced by the electronic letter comprising malicious code: is received in a computer comprising disliking The electronic letter of meaning code, computer have memory, and memory has promoter region, isolated area and non-isolated area；Letter is deposited Storage is in the isolated area of the memory of computer, wherein the promoter region of isolated area and computer storage and it is non-isolated separate out, Wherein, the code in isolated area is prevented to implement to write movement on other memory areas；It is mentioned from electronic letter by document analysis Malicious code is taken, clean electronic letter is created, wherein extracting includes that scanning letter searches the malicious code first symbol identified Number, the byte through scanning each of between label beginning symbol and the malicious code terminating symbol of connecting continues to scan on, until not Find that malicious code starts symbol again, and by the way that all unlabelled data bytes are sequentially copied to new file --- its shape At clean letter file --- to create new data file；Clean electronic letter is transferred to the non-isolated of memory Area；And delete all data in isolated area.

In various embodiments, system can also use the product relevant content information for the webpage with advertisement trade company The system (e.g., the merchant website of commerce system 130) for selling " perception " of main page together solves to protect during complementary buying transaction The problem of holding the control to consumer.The system can be run by third party's outsourcing providers, third party's outsourcing providers are used as Agent between multiple main frames and advertisement trade company.Before the implementation, host is placed on the webpage (e.g., merchant website) of host It is linked to the link of the server of advertisement trade company.It links associated with the product related content on the webpage of advertisement trade company.In addition, " perception " information of webpage from each host is stored in computer data storage device by outsourcing providers system, data Storage device is couple to computer server." perception " information includes the appreciable element of vision, such as mark, color, the page Layout, navigation system, frame, mouse-over effect are one between some or all in the corresponding web page of each host The other elements of cause.The consumer for clicking advertisement link will not be sent to the webpage of advertisement trade company from host page, but heavy It is newly directed to and combines product information associated with selected article and host page visually appreciable element is answered Close webpage.The response of the server of outsourcing providers is the host page that identification link is selected first, is then retrieved corresponding " perception " information of storage.The product that server uses " perception " information of the host page retrieved and is embedded is related Content constructs composite web page, so that consumer visually perceives composite web page associated with host page.Then server The composite web page is transmitted and is presented in face of consumer, so that consumer, which effectively rests on, buys article on host page, and Without being re-directed to third party's advertisement trade company subnetting page.Since consumer visually perceives this compound page and host Webpage is associated, thus this compound page to consumer it is a kind of she in the impression for checking the page that host provides.In addition, consumption Person can buy article in the case where not being re-directed to third party's advertisement trade company subnetting page, therefore host is allowed to keep offseting The control of the person of expense.The system enables host to receive publicity income stream as before, but not loses visitor's flow and potential Customer.More particularly, the outsourcing providers for the webpage that system provides commercial opportunity for offer may be useful.Computer is deposited Storage device includes the data for limiting the first webpage of each of multiple first webpages multiple visual perception elements, can visual impression Major elements corresponds to multiple first webpage；Wherein, the first webpage of each of first webpage belongs to multiple webpage owners In one；Wherein, the first webpage of each of first webpage show with and multiple advertisement trade companies in the purchase for choosing trade company Buy at least one associated valid link of the associated trade partners of chance；And wherein, show that choosing for association link is wide Accuse trade company, outsourcing providers and the first webpage owner is respectively third party relative to each other；Computer at outsourcing providers Server, the computer server and Computer Memory Unit couple, and program and be used for: from the web browser of computer user Receive the activation of a link in the link of display of one of the first webpage of instruction；It will link in first webpage and be activated One the first webpage is automatically recognized as the source page；In response to the identification of the source page, automatically retrieval corresponds to the storage number of the source page According to；And using the data retrieved, automatically generate the second webpage and transmit it to web browser, the second web displaying: The associated associated information of trade partners is linked with being activated, and is visually correspond to the multiple visual of the source page Feel perception element.

Provide system, method and computer program product.In the detailed description herein, " various embodiment party are mentioned Described embodiment is referred both in place of formula ", " embodiment ", " embodiment ", " example embodiment " etc. can wrap Special characteristic, structure or feature are included, but not necessarily each embodiment includes the special characteristic, structure or feature.In addition, this Kind wording not necessarily refers to same embodiment.In addition, when describing special characteristic, structure or feature in conjunction with embodiment, it is believed that Realize this feature, structure or feature in the knowledge of those skilled in the range in conjunction with other embodiments, no matter other Whether embodiment is expressly recited.After reading specification, how in an alternative embodiment those skilled in the relevant arts are readily apparent that Realize the disclosure.

" satisfaction " used herein, " meeting ", " matching ", " associated " or similar wording may include exact matching, portion Point matching, meet certain standard, matched data subset, correlation, meet certain standard, corresponding relationship, association, algorithm relationship and/ Or it is similar.Similarly, " certification " used herein or similar terms may include Hard Authentication, partial authentication, authentication data Subset, corresponding relationship meet certain standard, association, algorithm relationship and/or similar.

Similar to " association (associate) " and/or " with ... associated (associating) " term and wording can be with Including mark, label, it is interrelated, using look-up table or be used to indicate or create element such as (i) device identifier and (ii) any other method or system of the relationship between equipment.In addition, in response to any suitable movement, event or time Section, association can occur at any point.Association can at a predetermined interval, periodically, randomly, once, more than once or Occur in response to suitable request or movement.It can be via the link distribution and/or any information of access that software enables, wherein Can via e-mail, short message, mail, community network input and/or any other method known in the art send link.

Wording consumer, customer, user, account holder, account point family, the member that holds etc. should include anyone, entity, Enterprise, enterprise, software, hardware, machine associated with trading account, uses the one or more quotient of account purchase at government organization Family provide trade company's offering and/or it is legal specify implement in account transaction people, no matter whether entity card related to account Connection.For example, the member that holds may include trading account owner, it is trading account user, account point family, sub- account user, attached Account user, the beneficiary of account, the custodian of account and/or there are relationship or any other associated people or reality with trading account Body.

Big data used herein can refer to partially or completely structuring including row and thousands of column up to a hundred up to a million, half Structuring or non-structured data set.It can be for example from the purchase-transaction history of progress, netpage registration, society over time Media, expense record (ROC), expense is handed over to summarize (SOC), internal data or other suitable source establishment large data sets.Establishment is big Data set can not have to description metadata, the data point that such as column type, counting, percentile or other helps understand.

Distributed computing cluster can be for exampleCluster, the cluster configuration is at processing and stores large data sets, Some of nodes include distributed memory system, and some nodes include distributed processing system(DPS).In this regard, distributed computing Cluster can be configured to support that Apache Software Foundation is defined on http://hadoop.apache.org/docs/Distributed file system (HDFS).More the information about big data management system refers to November 18 in 2015 The U.S. for the entitled INTEGRATED BIG DATA INTERFACE FOR MULTIPLE STORAGE TYPES that day submits The entitled SYSTEM AND METHOD FOR READING AND that sequence number is submitted on November 18th, 14/944,902,2015 United States serial on November 18th, 14/944,979,2015 of WRITING TO BIG DATA STORAGE FORMATS submits Entitled SYSTEM AND METHOD FOR CREATING, TRACKING, AND MAINTAINING BIG DATA USE The entitled SYSTEM AND METHOD FOR that the United States serial of CASES is submitted on November 18th, 14/945,032,2015 The U.S. of AUTOMATICALLY CAPTURING AND RECORDING LINEAGE DATA FOR BIG DATA RECORDS The entitled SYSTEMS AND METHODS FOR TRACKING that sequence number is submitted on November 18th, 14/944,849,2015 The United States serial 14/944,898 of SENSITIVE DATA IN A BIG DATA ENVIRONMENT and in November, 2015 The entitled SYSTEM AND METHOD TRANSFORMING SOURCE DATA INTO OUTPUT DATA submitted for 18th The United States serial 14/944,961 of IN BIG DATA ENVIRONMENTS, wherein each content is by quoting integrally simultaneously Enter herein.

Any communication, transmission and/or the channel being discussed herein may each comprise for transmitting content (e.g., data, information, first number According to etc.) and/or content itself any system or method.Can in any form or medium presentation content, in various embodiments, Content and/or content, which can electronically be transmitted, to be electronically presented.For example, channel may include website or equipment (e.g., Facebook、 ), uniform resource locator (" URL "), document (e.g., Text Shelves,Document,.pdf document etc.), " e-book ", " e-magazine ", answer With or micro- application (as described herein), SMS or other kinds of word message, Email, facebook, twitter, MMS And/or the other kinds of communication technology.In various embodiments, channel can be by data partner host or offer.In each reality It applies in mode, distribution channel may include merchant website, social media website, branch or partner website, external supplier, move Dynamic equipment communication, social media network and/or location based service.Distribution channel may include merchant website, social media Website, branch or partner website, external at least one of supplier or mobile device communication.The example of social media website Including Deng.The example of branch or partner website includes AMERICAN Deng.In addition, the example of mobile device communication includes the shifting of short message, Email and smart phone Dynamic application.

" customer profile " or " customer profile data " may include that the description as described in consumer is associated with consumer Attribute (e.g., preference, interest, demographic information, personally identifiable information etc.) any information or data.

In various embodiments, method described herein is realized using various specific machines described herein.This field Technical staff is i.e. it is understood that those of method described herein can be used following specific machines and hereafter develop machine is to appoint What suitable combination is realized.In addition, cheer and bright according to present disclosure, method described herein can produce certain objects The various transformations of product.

For simplicity, it may be not described in detail routine data network, application and development and the other function of system herein Aspect (and component of the independent operational unit of system).In addition, each line shown in the drawings contained by this paper is intended to mean that respectively Example functional relationships and/or physical couplings between element.It should be noted that may exist many substitutions or extra power in real system It can relationship or physical connection.

Each system unit being discussed herein may include one or more of following: host server or including to number Other computing systems for the processor that data are handled；The memory for storing numerical data is coupled with processor；With place Manage the input digital quantizer that device coupling is used for input digital data；It stores in memory and can be accessed by processor for referring to Show the application handled by processor numerical data；With processor and memory coupling for showing at through processor The display equipment of the information of the numerical data of reason；And multiple databases.Various databases used herein may include: client's number According to；Merchant data；Financial institution data；And/or similar data used in system operatio.It will be understood by those skilled in the art that with Family computer may include operating system (e.g.,OS2、 MacOS etc.) and various conventional support softwares and driver usually associated with computer.

This system or its any part or function can be used hardware, software, or its combination realization, and can at one or It is realized in multiple computer systems or other processing systems.However, the manipulation that embodiment executes usually is indicated with following terms, It such as matches or selects, this is usually associated with the mental operation that human operator executes.In most cases, described herein This ability of human operator is not needed or not expected in any operation.On the contrary, operation can be machine operation.It can use In the machine for executing various embodiments include general purpose digital computer or similar devices.

In fact, in various embodiments, embodiment be directed to execute one of functions described herein or Multiple computer systems.Computer system includes one or more processors, such as processor.Processor is connected to communication infrastructure Facility (e.g., communication bus, crossbar or network).Computer system describes various Software Implementations according to the example.It reads After reader specification, those skilled in the relevant arts are readily apparent that how to realize respectively using other computer systems and/or infrastructure Kind embodiment.Computer system may include from the communications infrastructure (or from unshowned frame buffer) forwarding figure, text The display interface of this and other data, for showing on the display unit.

Computer system further includes main memory, such as random access memory (RAM), and can also include auxiliary Help memory.Additional storage may include such as hard disk drive and/or removable storage drive, represent disk drive Device, tape drive, CD drive etc..Removable Storage driver in a known way from removable memory module read and/ Or write-in.Removable memory module represents floppy disk, tape, CD etc., is read and write by removable Storage driver.It will reason Solution, removable memory module includes computer-usable storage medium, wherein being stored with computer software and/or data.

In various embodiments, additional storage may include allowing computer program or other instructions being loaded into meter Other similar equipment in calculation machine system.This equipment may include such as removable memory module and interface.These example It may include program cartridge and cartridge interface (cartridge interface in such as video game device), storage chip can be removed (such as erasable programmable read-only memory (EPROM) or programmable read only memory (PROM)) be associated with socket, Yi Jiqi His removable memory module and interface, allow software and data being transferred to computer system from removable memory module.

Computer system can also include communication interface.Communication interface allows to turn between computer system and external equipment Mobile Software's part and data.The example of communication interface may include modem, network interface (such as Ethernet card), communication ends Mouth, Personal Computer Memory Card International Association (PCMCIA) slot and card etc..It is letter via the software and data of communication interface transmitting Number form, can be can be by the received electronic signal of communication interface, electromagnetic signal, optical signal or other signals.Via logical Believe that path (e.g., channel) provides these signals to communication interface.The channel carry signal and can be used electric wire, cable, optical fiber, Telephone wire, cellular link, radio frequency (RF) link, radio communication channel and other communication channels are realized.

Term " computer program medium " and " computer usable medium " and " computer-readable medium " are commonly used in finger Removable Storage driver and the hard disk and other media being mounted in hard disk drive.These computer program products are to department of computer science System provides software.

Computer program (also referred to as computer control logic) is stored in main memory and/or additional storage.It calculates Machine program can also be received via communication interface.Upon being performed, this computer program enables computer system to execute this paper The feature discussed.Particularly, upon being performed, computer program enables processor to execute the feature of each embodiment.Therefore, This computer program represents the controller of computer system.

In various embodiments, software can store in computer program product, and use removable Storage driver, Hard disk drive or communication interface are loaded into computer system.When being executed by a processor, control logic (software) makes to handle Device executes the function of each embodiment described herein.In various embodiments, hardware component such as specific integrated circuit (ASIC).Those skilled in the relevant arts are readily apparent that the realization of hardware state machine, to execute functions described herein.

In various embodiments, server may include application server (e.g., WEB SPHERE, WEB LOGIC, JBOSS).In various embodiments, server may include network server (e.g., APACHE, IIS, GWS, SUNSYSTEM WEB SERVER)。

Practitioner will be understood that equipment (e.g., networking client) can be directly connected to or be not directly connected with application server. For example, equipment can access the service of application server by another server and/or hardware component, another server and/or Hardware component can be connected directly or indirectly with Internet Server.For example, equipment can via load balancer with answer Use server communication.In various embodiments, network or internet are accessed by commercially available web browser software packet.

It will be understood by those skilled in the art that equipment include operating system (e.g.,/CE/Mobile、OS2、MacOS etc.) and various conventional support softwares and usually and computer Associated driver.Equipment may include any suitable personal computer, network computer, work station, individual digital Assistant, cellular phone, smart phone, microcomputer, mainframe computer etc..Equipment may be in the family of accessible network Or in business environment.In various embodiments, network or internet are accessed by commercially available web browser software packet.Equipment can To realize the security protocols such as Secure Socket Layer (SSL) and Transport Layer Security (TLS).Several application layer associations may be implemented in equipment View, including http, https, ftp and sftp.

In various embodiments, the component of system 100, module and/or engine can be implemented as micro- application program or micro- Using.Micro- application is typically deployed in Mobile operating system background, including for exampleMobile operating system,Operating system, Operating system etc..Micro- application can To be configured to using large operation system and be associated with firmly with one group of pre-defined rule of hardware resource via controlling various operating systems The resource of part.For example, the case where equipment or network communication other than micro- application expectation and mobile device or Mobile operating system Under, micro- application can utilize the communication protocol of operating system and associate device hardware according to the pre-defined rule of Mobile operating system. In addition, micro- application can be configured to request to respond to operating system, operating system in the case where micro- application expectation user's input Each hardware component is monitored, the input that then will test is conveyed to micro- application from hardware.

" identifier " used herein can be any suitable identifier for the project of uniquely identifying.For example, identifier can To be globally unique identifier (" GUID ").GUID can be the mark according to universal unique identifier standard-creation and/or realization Know symbol.In addition, GUID can store the value for 128,32 sexadecimal digits can be shown as.Identifier can also wrap Include major number and time number.Major number and time number may each be 16 integers.

Terms used herein " network " include any cloud comprising hardware and/or software component, cloud computing system or Electronic communication system or method.Communication between each side can realize by any suitable communication channel, such as, Telephone network, extranet, Intranet, internet, (point of sale device, personal digital assistant are (e.g., for interaction point device), cellular phone, self-service terminal etc.), online communication, satellite communication, from Line communication, wireless communication, answering machine communication, local area network (LAN), wide area network (WAN), Virtual Private Network (VPN), networking or chain Connect equipment, keyboard, mouse and/or any suitable communication or data entry modality.In addition, although frequently description system is used herein TCP/IP communication protocol realization, but system also can be used IPX,talk、IP-6、OSI, appoint What tunnel protocol (e.g., IPsec, SSH) or any amount of existing or future protocol realization.If network is public in itself Network, such as internet may be stolen hearer's intrusion then it may be advantageous that thinking that network is dangerous.About making in internet The specifying information of agreement, standard and application software is generally known to the skilled in the art, therefore no need to describe in detail in this article. See, for example, the Internet Standards and Protocols (1998) of Dilip Naik； 2Complete, multiple authors (Sybex 1999)；The Mastering HTML 4.0 (1997 of Deborah Ray and Eric Ray Year)；And the TCP/IP Clearly Explained (1997) and David Gourley and Brian of Loshin The HTTP of Totty, The Definitive Guide (2002), content is incorporated herein by reference.

" cloud " or " cloud computing includes making it possible to configurable computing resource (e.g., network, server, storage device, application And service) shared pool carry out conveniently, the model of on-demand network access, can be provided with most effortless management or with service It is quickly provided in the least situation of the interaction of quotient and discharges these configurable computing resources.Cloud computing may include the unrelated meter in position It calculates, wherein shared server provides resource, software and computer from data to needs and other equipment.More about cloud computing Information refer to NIST (national standard and technical research institute) in http://csrc.nist.gov/publications/ To the definition of cloud computing (last access time in June, 2012), whole in nistpubs/800-145/SP800-145.pdf Content is incorporated herein by reference.

" transmission " used herein may include by be connected to the network electronic data is sent to from a system unit it is another System unit.In addition, " data " used herein may include covering property information, such as order of number or any other form, Inquiry, file, storing data etc..

Wording and term similar to " project " may include any cargo, service, information, experience, amusement, data, report Valence, discount, reimbursement, points, ideal money, content, access, lease, rental, donation, account, loan, debit, interests, right, Reward, points, discount coupon, loan, currency equivalent, any valuable object, be worth extremely low or halfpennyworth, monetary value, Non-monetary value and/or similar.In addition, " transaction " or " purchase " that is discussed herein is associated with article.In addition, " reward " can To be article.

System is contemplated about network service, effectiveness calculating, general fit calculation and personalized calculating, safety and identity solution party Case calculates, mobile and wireless solution, open source, bioassay, grid computing and/or net from host computer, cloud computing, commodity The purposes that formula calculates.

Any database being discussed herein may each comprise relational structure, hierarchical structure, graphic structure, block chain, towards The structure of object and/or any other database con-figuration.The Common database products that can be used to implement database include The DB2 of (Armonk, New York), can be fromThe various databases that Corporation (California Redwood City) is bought Product,Corporation's (Washington Redmond)OrSQLThe MySQL of MySQL AB (Uppsala, SWE) or any other suitable data Library product.In addition, database can be organized in any suitable manner, such as tissue is tables of data or look-up table.Each record Can be single file, a series of files, link volume of data field or any other data structure.

Block chain structure may include the distributed data base that data record sheet continues to increase.Safety can be enhanced in block chain Property, because each block holds the result of personal transaction and any block chain executable file.Each block can wrap Containing timestamp and it is linked to the link of previous block.Block can link, because each block may each comprise in block chain In the hash of preceding block.The block of link forms chain, only a subsequent block is allowed to be linked to another forerunner's block.

It all as known in the art or practice data association technique can be realized by any desired data association technique The association of certain data.For example, association can be realized manually or automatically.Auto-associating technology may include for example, database is searched Rope, GREP, AGREP, SQL, uses all tables of critical field acceleration search, sequential search and text in table at database merger Part, according to known sequence to the record in file classify with simplify search and/or it is similar.It can be returned by database And function realizes associated steps, for example, using " critical field " in pre-selected database or data field.Contemplate various data Library set-up procedure optimizes database performance.For example, the file frequently used, which such as indexes, can be placed on individual file system On to reduce input/output (" I/O ") bottleneck.

More particularly, the advanced tiers partition database for the object that " critical field " is limited according to the critical field.For example, Certain form of data can specify as the critical field in multiple data table relateds, and then tables of data can be according to the keyword The type of data is linked in section.Corresponding to it is each link tables of data in critical field data be preferably it is identical or Person's type is identical.However, the data in critical field are similar, the tables of data of --- although difference --- can also be by using example As AGREP is linked.According to one embodiment, any suitable data storage technology storage can be used and do not have standard The data of format.Any suitable technology storage can be used in data set, including for example, uses ISO/IEC 7816-4 file knot Structure stores individual file；Realize domain, thus one or more example files of the selection exposure comprising one or more data sets Private file；Utilize the data set being stored in the individual files using hierarchical file system；As record storage single In file data set (including compression, SQL may have access to, hashed by one or more code keys, the first tuple be number or Letter etc.)；Binary large object (BLOB)；The ungrouped data member of coding is stored as using ISO/IEC 7816-6 data element Element；It is stored as compiling using the abstract syntax notation one in ISO/IEC abstract syntax notation one (ASN.l) such as ISO/IEC 8824 and 8825 The ungrouped data element of code；And/or other proprietary technologies that may include Fractal Image Compression Coding, method for compressing image etc..

In various embodiments, the energy of the various information of storage different-format is improved by the way that information is stored as BLOB Power.Therefore, any binary message may be stored in memory space associated with data set.As described above, binary system Information can store with system relationship or be stored in exterior but be attached to system.Data set can be stored as not dividing by BLOB Group data element, using fixed storage distribution, circulating queue technology or about memory management best practices (e.g., Paged Memory, It is least recently used etc.) it is deviated by fixed memory and by the format of ungrouped data element sets binary block.Pass through utilization The ability of BLOB method, the different various data sets of storage format helps multiple incoherent data set owners to store data It is in the database or associated with system.For example, the first data set that can store can be provided by first party, it can be by not phase The second party of pass provides the second data set that can store, can be by provide with the incoherent third party of first party and the second party can With the third data set of storage.These three sample datas concentrate each may include using different data storage format with/ Or the different information of technology storage.In addition, each data set can be comprising being also possible to and distinguishing data of other subsets Collection.

As described above, in various embodiments, data storage can not consider general format.However, when providing data When collection (e.g., BLOB) is for manipulating the data in database or system, standard mode can be used to annotate data set.Annotation can be with Including brachycephaly associated with each data set portion, tail portion or other indicators appropriate, it is configured to convey each for managing The information of kind data set.For example, annotation is properly termed as " condition head ", " head ", " tail portion " or " state " herein, and can be with It including the instruction to data set state, or may include identifier relevant to the specific publisher of data or the owner.One In a embodiment, three bytes of head of each data set BLOB can with or can be configured to indicate that the state of the specific set of data；Such as, " load ", " initialization ", " ready ", " being blocked ", " removable " or " deletion ".The subsequent byte of data can be with It is used to indicate such as the identity of publisher, the identity of user, transaction/member's account.It is further described herein these Each of conditional comments.

Data set annotation can be also used for other kinds of status information and various other purposes.For example, data are focused Releasing may include the security information for establishing access level.Access level can for example be configured to allow for only certain personal, Mou Xieji Other employee, company or other entities access data set, or are allowed to access certain number according to transaction, trade company, publisher, user etc. According to collection.In addition, security information can limit/allow only certain movements, data set is such as accessed, modifies and/or deleted.At one In embodiment, the instruction of data set annotation only allows the data set owner or user to delete data set, can permit each identification user Access data set is consulted, and others cannot access data set.However, depending on the circumstances, other can also be used Access limitation parameter, allows each entity to access data set with various Permission Levels.

Data including head or tail portion can be received by independent interactive device, which is configured to according to head Or tail portion addition, deletion, modification or increase data.In this way, in one embodiment, head or tail portion not with associated hair All data of passerby are collectively stored on interactive device, but movement to be taken can be provided a user at independent equipment Appropriate option takes movement appropriate.System is contemplated that data storage device, wherein the head or tail portion of data or head Portion or tail portion historical storage are on system relevant to proper data, equipment or the means of payment.

It will further be appreciated by those of ordinary skill in the art that for security reasons, any database, system, equipment, server or system Other component can include any combination thereof at single place or multiple places, wherein each database or system are equal Including any feature in various suitable security features, such as firewall, access code, encryption, decryption, compression, decompression and/or Similar.

It can be currently available that any technology is encrypted by the prior art, or be added by possible feasible technology It is close, e.g., Twofish, RSA, El Gamal, Schorr signature, DSA, PGP, PKI, GPG (GnuPG) and symmetrical and asymmetric Cryptographic system.

The computing unit of equipment 120 may be equipped with using standard dial, cable, DSL or known in the art it is any its His Internet protocol is connected to the Internet-browser of internet or Intranet.Transaction from equipment (e.g., networking client) It can be by firewall, to prevent the user of other networks from accessing without permission.Furthermore, it is possible in the different components of CMS Between dispose additional firewall, to further strengthen safety.

Firewall may include being appropriately configured to provide CMS component and/or enterprise calculation for the user of other networks The hardware and/or software that source is protected.In addition, firewall can be configured to limit or constrain to cross to connect by network server The various systems of the firewall access of the networking client connect and component.Firewall can be various configurations, particularly including state is examined It surveys, based on agency, accesses control list and packet filtering.Firewall can integrate in network server or any other portion CMS In part, or it is also used as individual entity and is resident.Network address translation (" NAT ") and/or network may be implemented in firewall Address and port translation (" NAPT ").Firewall can receive various tunnel protocols, promote communication security, such as Virtual Private Network Used in those tunnel protocols.Firewall may be implemented demilitarized zone (" DMZ "), promote and public network such as internet Communication.Firewall can be used as Integrated Simulation in Internet Server, in any other application server component, or can be with It is present in another calculating equipment, or the form of independent hardware component can be used.

The computer being discussed herein can provide suitable website or other figures Internet-based for user's access Shape user interface.In one embodiment,INTERNET INFORMATION (IIS)、Transaction Server (MTS) andSQL Server withOperating system,NT web server software,SQL Server Database Systems andCommerce Server is used in combination.In addition, component such as Access OrSQL Server、Sybase, Informix MySQL, Interbase etc. can For providing the data base management system for being applicable in Active Data Object (ADO).In one embodiment, Apache Network server is used in combination with (SuSE) Linux OS, MySQL database and Perl, PHP and/or Python programming language.

Any communication, input, storage, database or display for being discussed herein etc. can be promoted by the website with webpage Into.Terms used herein " webpage " are not intended to the type that limitation is possibly used for the document and application interacted with user.For example, allusion quotation The website of type can also include various forms other than the html document of standard,Small routine, moves JAVASCRIPT State server page (ASP), CGI script (CGI), extensible markup language (XML), dynamic HTML, cascade pattern Table (CSS), AJAX (Asynchronous JAVASCRIPT And XML), assistance application, plug-in card program etc..Server can be with Network service including receiving request from network server, request include URL and IP address (123.56.789.234).Network clothes Business device retrieves webpage appropriate and the data of webpage or application is sent to IP address.Network service is can be all by means of communication The application interacted such as internet with other application.Network service is typically based on standard or agreement such as XML, SOAP, AJAX, WSDL And UDDI.Network service method is well known in the art, and many received texts all relate to.See, for example, Alex The IT Web Services:A Roadmap for the Enterprise (2003) of Nghiem is incorporated by reference into this Text.

Middleware may include times of the communication being appropriately configured to promote between different computing systems and/or process transaction What hardware and/or software.Middleware component is commercially available, and is known in the art.Can by commercially available hardware and/or software, Middleware is realized by custom hardware and/or software component or by a combination thereof.Middleware may reside in various configurations, and And it can be used as independent system and exist, or can be the software component on Internet Server.Middleware can configure For handle for any purpose disclosed herein application server each component and any amount of internal or external system it Between transaction.Inc. the WEBSPHERE MQTM (preceding title MQSeries) of (Armonk, New York) is that commercially available middleware produces The example of product.Enterprise Service Bus (" ESB ") application is another example of middleware.

Practitioner will also be understood that in the presence of for showing many methods of the data in the document based on browser.Data can To be shown as received text or in fixed list, the scroll list, drop-down list, editable text domain, fixed text domain, pop-up It is shown in window etc..It similarly there are many methods that can modify the data in webpage, such as use keyboard, menu item The free text input such as selection, check box, Option Box.

It herein may be in terms of functional block components, screenshot capture, optional selection and various processing steps to system and method It is described.It should be understood that can be by being configured to implement any number of hardware and/or software component of specified function Realize these functional blocks.For example, system can use various integrated circuit components, for example, memory element, processing element, logic Element, look-up table etc., these can be performed various functions under the control of one or more microcontrollers or other control equipment. Similarly, can use it is any programming or scripting language implement system software element, such as, C, C++, C#, JAVASCRIPT、VBScript、Macromedia Cold Fusion、COBOL、Active Server Pages, component, PERL, PHP, awk, Python, Visual Basic, SQL Stored Procedures, PL/ SQL, Ren He UNIX shell script and extensible markup language (XML), each algorithm data structure, object, process, routine Any combination of program or other programmed elements is realized.Further, it should also be noted that system can use any number of routine techniques Carry out data transmission, signal, data processing, network-control etc..In addition, system can be used for client-side scripting language such as The detection such as JAVASCRIPT, VBScript or prevention safety problem.Basic introduction about password and network security, which refers to, appoints What following bibliography: (1) " Applied Cryptography:Protocols, Algorithms, And Source Code In C ", author Bruce Schneier, John Wiley&Sons publish (second edition, nineteen ninety-five)；(2)" Cryptography ", author Jonathan Knudson, O ' Reilly&Associates publish (1998)；(3) " Cryptography&Network Security:Principles&Practice ", author William Stallings, Prentice Hall is published；All these bibliography are both incorporated herein by reference.

Terms used herein " terminal user ", " consumer ", " customer ", " hold member ", " enterprise " or " trade company " can be with Use interchangeable with one another, and each should all refer to anyone, entity, government organization, enterprise, machine, hardware and/or software.Silver Row can be the part of system, but bank can represent other kinds of card sending mechanism, such as credit card company, card guarantee corporation Or the third party publisher to sign a contract with financial institution.It is furthermore noted that may relate to other participations in some stages of transaction Person, such as intermediary settle accounts mechanism, but these participants are not shown.

Each participant by equipped with calculating equipment, with system interaction and promote business transaction on line.Customer has a The computing unit of people's form of computers, but other kinds of computing unit can be used, including laptop computer, notebook electricity Brain, handheld computer, set-top box, cellular phone, push-button telephone etc..Trade company, which has, is embodied as computer-form server Computing unit, but system contemplates other implementations.Bank has calculating center, is shown as mainframe computer.So And bank's calculating center can be implemented as other forms, such as minicomputer, is located at identical or different geography at PC server Computer network of position etc..In addition, system is contemplated through any network progress with similar functions described herein Any cargo, service or information being used and sold or distributing.

Merchant computer and banking computer can be known as payment network by the second network interconnection, the second network.It can be with The payment network representative of part as certain transaction can carry out credit card, debit card and other kinds of finance/silver at present The existing proprietary network of row card transaction.Payment network is closed type network, it is believed that it will not be stolen hearer's intrusion.Example transaction net Network may include American DiscoverPrivate network's (e.g., department stores network) and/or any Other payment networks.

E-commerce system can be realized at customer or the bank of issue.In example implementation, e-commerce system is realized The computer software module at center is calculated to be loaded into users computer and bank.Merchant computer does not need any Add-ons It can participate in business transaction on the line that business system is supported on line.

It will be appreciated by the skilled addressee that system may be embodied as the customized version of existing system, addition product, hold The row upgrading processing unit of software, autonomous system, distributed system, method, data processing system, data processing equipment and/or Computer program product.Correspondingly, any part of system or module can using execute code processing unit form, Embodiment Internet-based, complete hardware embodiment or combine internet, software and hardware various aspects embodiment party Formula.In addition, system can be using the form of the computer program product on computer readable storage medium, computer program product With the computer readable program code means implemented in storage medium.Any suitable computer-readable storage can be used Medium, including hard disk, CD-ROM, light storage device, magnetic storage apparatus and/or similar.

It is cut herein by reference to the screen of method, apparatus (e.g., system) and computer program product according to various embodiments System and method are described in figure, block diagram and flow chart.It is to be understood that each functional block and frame in block diagram and flow chart The combination of functional block can be realized by computer program instructions respectively in figure and flow chart.

These computer program instructions can be loaded into general purpose computer, special purpose computer or other programmable datas Processing unit, to generate machine, so that the instruction creation executed on computer or other programmable data processing units is used In the device for realizing the function of specifying in one or more flow chart box.These computer program instructions can also be stored in calculating In machine readable memory, computer program instructions can indicate computer or other programmable data processing units in a specific way Operation so that the instruction being stored in computer-readable memory generates product, including is realized in one or more flow chart box The command device of specified function.Computer program instructions can also be loaded onto computer or other programmable datas processing dress It sets, so as to computer-implemented program is generated to the upper series of operation steps executed on the computer or other programmable apparatus, It is specified so that the instruction executed on the computer or other programmable apparatus provides for realizing in one or more flow chart box Function the step of.

Correspondingly, the functional block of block diagram and flow chart is supported to refer to for the device combination for implementing specified function for implementing The step of determining function combines, and the program instruction means for implementing specified function.It is also to be understood that block diagram and flow chart is every The combination of functional block in a functional block and block diagram and flow chart can be by implementing the hardware based of specified function or step Dedicated computer system is realized or is realized by the suitable combination of specialized hardware and computer instruction.In addition, the process flow shown And its description is with reference to userWebpage, website, web form, prompt etc..Practitioner will be understood that, herein The illustrated steps may include any amount of configuration, including useWebpage, web form, bullet OutPrompt etc..It should also be understood that the multiple steps for showing and describing can be incorporated into single webpage and/orIn, but be extended for the sake of simplicity.In other cases, single process steps are shown and described as The step of can be divided into multiple webpages and/orBut it is combined for the sake of simplicity.

Term " non-transitory ", which is understood to reject from scope of the claims, only propagates temporary signal itself, does not abandon Right to all readable mediums for not only propagating temporary signal itself.In other words, term " non-transitory meter The meaning of calculation machine readable medium " and " non-transitory computer-readable storage media " is interpreted as only excluding in In ReNuijten Beyond the temporary computer-readable medium that can authorize those of subject area type according to the regulation of 35U.S.C. § 101.

Specific embodiment has been referred to herein describes benefit, other advantages and solution to the problem.However, benefit, Advantage, issue-resolution and any benefit, advantage or solution may be made to occur or become more significant any element It should not be construed as the crucial of present disclosure, required or essential feature or element.Therefore, scope of the present disclosure only by appended Claim limits, and the element that odd number is mentioned in claim is not intended to refer to " one and only one ", removes and non-clearly so says It is bright, and refer to " one or more ".In addition, using similar ' at least one in A, B and C ' or ' A, B in claim or specification Or at least one in C ' wording in place of, mean the phrase be interpreted as refer to A can separately exist in embodiment, B can be single Solely it is present in embodiment, C can be separately existed in embodiment or any combination of element A, B and C may exist In single embodiment；For example, A and B, A and C, B and C or A and B and C.Although present disclosure includes method, set What is thought is that it may be embodied as the readable carrier of the tangible computer such as magnetically or optically computer journey on memory or disk or CD Sequence instruction.All structures of the element of the respective embodiments described above known to persons of ordinary skill in the art, chemistry and function are same Object is clearly incorporated herein by reference, and is intended to be included in the claims.In addition, without in order to by the claims Cover and equipment or method is made to solve the problems, such as that present disclosure is to be solved each.In addition, the component, assembly unit of present disclosure or Method and step is not intended to public, and no matter whether component, assembly unit or method and step are expressly recited in the claims.Right It is required that element is not intended to be applicable in 35U.S.C.112 (f), removes and non-clearly use phrase " device being used for ... " Lai Xushu element. Terms used herein " including (comprises) ", " including ... (comprising) " or its any other modification be intended to Nonexcludability inclusion, process, method, article or device such as including a series of elements not only include those elements, but also It may include not expressly listed other elements or to belong to these process, methods, article or device intrinsic.

In another embodiment, answering machine, answering machine-reading machine and/or answering machine-reader system are configured with biology Identify security system, biometric security system may be used to provide bio-identification, as assisting in identifying form.Bio-identification peace Total system may include the answering machine and reading machine with system communication.Biometric security system can also include that detection biology is known Very this biometric sensor and the equipment that bio-identification sample is verified.Biometric security system can configure There are one or more biometric scanners, processor and/or system.Biological recognition system may include one or more skills Art or its any part, such as, the identification of bio-identification.As used herein, bio-identification may include the language of user Sound, fingerprint, face, ear, signature, vascular pattern, DNA sample, hand geometry, sound, olfactory organ, key-press input/ Typewriting, iris, retina or based on any physical feeling, function, system, attribute and/or other features or its is any portion of Any other recognizes relevant bio-identification.

Wording and term similar to " side (party) " may include any individual, consumer, customer, group, enterprise Industry, tissue, government entity, trading account publisher or processor's (e.g., loan, charge etc.), trade company, alliance, trade company, account are held The person of having, charity, software, hardware and/or any other type entity.Term " user ", " consumer ", " buyer " And/or the plural form of these terms is used interchangeably in the whole text herein, is considered that authorized using trading account with reference A little people or entity.

Wording and term used herein similar to " account ", " account ", " account identification code " or " consumer account " can To include any equipment, code (e.g., authorization/fetcher code, personal identity number (" PIN "), internet code, other identification codes Deng one or more of), number, letter, symbol, digital certificate, intelligent chip, digital signal, analog signal, bio-identification Or it is appropriately configured to that consumer is allowed to access system, other identifier symbol/label with system interaction or communication.Account can Selection of land is located at reward account, buys on credit account, credit accounts, debit account, account of advances, phonecard, embossed card, smart card, magnetic It is on item card, bar code card, answering machine, radio-frequency card or interlock account or associated with it.

System may include it is any one of following or with any one of following cooperations: aforementioned account, equipment and/or response Machine (it may include remote control hanging buckle (fob, jewelry, remote control pendant, key card)) and the reading that RF communication is carried out with the answering machine The communication realized by near-field communication (NFC) between machine (e.g., RFID reading machine) or initiator and target.Exemplary apparatus can be with Including such as key ring, label, card, mobile phone, watch or any this kind of form that can be carried out inquiry.In addition, what is be discussed herein is System, computing unit or equipment may include " general fit calculation equipment ", may include be embedded with computing unit tradition it is non-computational Machine equipment.Example may include wrist-watch, the kitchen appliance for connecting internet, the dining table for being embedded with RF reading machine, be embedded with and answer Answer wallet or the handbag etc. of machine.In addition, equipment or financial payment tool can have electronics and communication function, electronics and communication function Can be by for example following realizations: printing be otherwise dissolved on the means of payment (commonly referred to as " smart card ") or interior electronics Circuit network；Remote control hanging buckle with answering machine and RFID reading machine；And/or near-field communication (NFC) technology.More about NFC Information refer to following specifications, all these specifications are both incorporated herein by reference: ISO/IEC 18092/ECMA-340, Near Field Communication Interface and Protocol-1(NFCIP-1)；ISO/IEC 21481/ ECMA-352, Near Field Communication Interface and Protocol-2 (NFCIP-2)；With can be The EMV 4.2 that http://www.emvco.com/default.aspx is checked.

Account can with can from its own transmission or download the data to any type of plastics of the second equipment, electronics, magnetic, Radio frequency, wireless, audio and/or light device distribution and storage.Consumer's account may, for example, be sixteen bit account, but each letter Borrow the numbering system that supplier has their own, the 15 bit number systems that such as American Express uses.The account of each company is equal Meet the reference format of the said firm, so that using the company of 15 bit formats generally using three groups of numbers being spaced apart, in full Shown in word " 0,000 000,000 00000 ".Retain five to seven, head for processing intent, these positions determine the bank of issue, account class Type etc..In this example, last position (the 15th) is for carrying out sum check to 15 numbers.Intermediate eight to 11 Position is for uniquely identifying the identity of consumer.Trade company's account can be for example in order to collect money, reconciliation, report the purpose of identification it is special Determine any number or alphanumeric character of the identity of trade company.

In various embodiments, account can identify consumer.In addition, in various embodiments, it can be by each Kind of identifier identifies consumer, including for example e-mail address, telephone number, cookie id, radio frequency identifiers (RFID), Bio-identification etc..

Wording and term similar to " trading account " may include that can be used for promoting any account of financial transaction.

Wording and term similar to " financial institution " or " trading account publisher " may include providing trading account clothes Any entity of business.Although commonly referred to as " financial institution ", financial institution can indicate any kind of bank, lender or Other kinds of account issuer, such as credit card company, card guarantee corporation or the third party to sign a contract with financial institution Publisher.It is furthermore noted that may relate to other participants in some stages of transaction, such as intermediary settles accounts mechanism.

Use can be intercoursed similar to the words or terms of " enterprise " or " trade company ", should be referred in cargo or service distribution Anyone, entity, distributor system, software and/or hardware in chain as provider, agent and/or any other entity. For example, trade company can be grocery store, retail shop, travel agency, service provider, businessman etc. on line.

Term " payment carrier ", " financial payment tool ", " means of payment " and/or these terms plural form in the whole text may be used To be used interchangeably, with reference financial instrument.

Similar to " trade company ", the wording of " supplier " or " seller " and term may include receive payment or other to valence Any entity.For example, supplier can request to sell to the cargo of the buyer for holding the account with trading account publisher into Row payment.

Wording and term similar to " buyer " may include to exchange and receive cargo or service to valence (e.g., financial payment) Any entity.For example, buyer can buy to supplier, rent, leases, bartering or otherwise obtain cargo, and make It is paid with trading account to supplier.

Wording and term similar to " internal data " may include that Credit card issuers possess or acquisition about spy Determine any data of consumer.It can be between Credit card issuers and trading account holder (e.g., consumer or buyer) Internal data is collected before, during or after relationship.This data may include consumer demographic data.Consumer population Statistical data includes any data about consumer.Consumer demographic data may include consumer name, address, electricity Talk about number, e-mail address, employing unit and Social Security Number.Consumer transaction data is about consumer any specified Any data of the particular transaction participated in during period.When consumer transaction data may include such as transaction amount, transaction Between, transaction supplier/trade company and transaction supplier/trade company place.Trading supplier/trade company place can for supplier/trade company To be that height is specific.For example, transaction supplier/trade company place may include the specific postal positioned at specific crossroad or address The specific gas station compiled.In addition, for example, transaction supplier/trade company place may include particular network address, such as supplier/ Uniform resource locator (" URL "), e-mail address and/or address Internet protocol (" IP ") of trade company.Transaction supplier/ Trade company and transaction supplier/trade company place can be associated with particular consumer, can also be associated with array consumer.Disappear Expense person's payment data includes the data about the history of consumer payment debt obligation.Consumer payment data may include consumption Person's date of payment, payment amount, remaining sum and credit line.Internal data can also include that customer service sends a telegraph, complains, requests Improve the record of credit line, problem and comment.The record that customer service sends a telegraph may include for example sending a telegraph the date, sending a telegraph original Cause and the copy or summary actually sent a telegraph.

Wording similar to " payment processing person " may include the company (e.g., the of (such as by trade company) commission processing transaction Tripartite).Payment processing person may include publisher involved in process of exchange, receive list person, donor and/or any other system Or entity.Payment processing person can be divided into two classes: front-end and back-end.Front-end payment processor is related with various trading accounts, And authorization and clearing service are provided to the trade company of bank, trade company.Rear end payment processing person receives clearing from front end payment processing person, And money is gone into bank, trade company from the bank of issue via federal deposit bank.In the operation that usually spend several seconds, at payment Reason person should check the details received --- details is forwarded to the bank of issue of proper account or card association verifies, again Some anti-fraud measures of column can be taken for transaction.The additional ginseng of distribution country and its payment history before including account Number can be used for estimating approved possibility of trading.Receive what trading account details be verified in response to payment processing person Information, can be transferred back to trade company, then trade company will complete payment transaction by confirmation.It is rejected in response to verifying, payment processing person Information is transferred back into trade company, then trade company trades refusal.

Wording similar to " payment gateway " or " gateway " may include authorization to e-commerce, online retailer and/or Application service provider's service that traditional entity trade company is paid.Gateway can be the entity positioned at most of retail shops The coordinate of point of sales terminal.Payment gateway can thereby protect friendship by encrypting to sensitive information such as Transaction Account number Easy account details, to ensure that information is safely transmitted between customer and trade company and between trade company and payment processing person.

Claims

1. a kind of method, comprising:

By processor receiving device identifier, to create received device identifier, the received device identifier and pass The personal POS terminal being coupled in the equipment of consumer is associated；

The device identifier stored is matched with the received device identifier by the processor；

The individual POS in the equipment associated with the stored device identifier is enabled by the processor Terminal；And

It is received by the processor and via the personal POS terminal associated with the trading account for being associated with the consumer For transaction payment token.

2. according to the method described in claim 1, wherein, device identifier described in Xiang Suoshu customer requests.

3. according to the method described in claim 1, wherein, the consumer phones numbers as the device identifier input Virtual terminal system.

4. according to the method described in claim 3, wherein, the virtual terminal system is integrated into quotient on line associated with trade company In shop.

5. according to the method described in claim 1, wherein, individual's POS terminal generates the device identifier and will be described Device identifier is sent to the processor.

6. according to the method described in claim 1, further include: in response to the institute to the personal POS terminal in the equipment Enabling is stated, indicates that the personal POS terminal in the equipment shows the Transaction Details of the transaction by the processor.

7. according to the method described in claim 1, further including receiving action response by the processor, wherein the movement Response includes: in response to the enabling to the personal POS terminal, and the consumer accepts or rejects the transaction.

8. according to the method described in claim 1, further include: it requests to be propped up from the trading account by the processor It pays.

9. generating the payment token by least one of following items according to the method described in claim 1, wherein: with it is described Consumer is associated, physically close to or the contact equipment the means of payment；Or communicated with the personal POS terminal Stored value card.

10. according to the method described in claim 1, wherein, the personal POS terminal is downloaded to the equipment.

11. a kind of system, comprising:

Processor；And

It is configured to the tangible non-transitory memory with the processor communication, is stored on the tangible non-transitory memory Instruction, described instruction make the processor execute operation in response to the execution by the processor, and the operation includes:

By processor receiving device identifier to create received device identifier, the received device identifier be associated with It is associated in the personal POS terminal in the equipment of consumer；

12. system according to claim 11, wherein the device identifier be from the customer requests to.

13. system according to claim 11, wherein it is defeated that the consumer phones numbers as the device identifier Enter virtual terminal system.

14. system according to claim 13, wherein the virtual terminal system is integrated on line associated with trade company In shop.

15. system according to claim 11, wherein individual's POS terminal generates the device identifier and by institute It states device identifier and is sent to the processor.

16. system according to claim 11, further includes: in response to the personal POS terminal in the equipment The enabling indicates that the personal POS terminal in the equipment shows the Transaction Details of the transaction by the processor.

17. system according to claim 11 further includes receiving action response by the processor, wherein described dynamic Making response includes: in response to the enabling to the personal POS terminal, and the consumer accepts or rejects the transaction.

18. system according to claim 11, further includes: request to be propped up from the trading account by the processor It pays.

19. system according to claim 11, wherein the payment token is generated by least one of following items: with The consumer is associated, physically close to or the contact equipment the means of payment；Or it is logical with the personal POS terminal The stored value card of letter.

20. a kind of product, including non-transitory tangible computer readable memory, the non-transitory tangible computer is readable to be deposited Instruction is stored on reservoir, described instruction makes the processor execute operation, the operation in response to the execution by processor Include:

By the processor receiving device identifier to create received device identifier, the received device identifier with The equipment for being associated with consumer is associated；

It is whole that the personal POS in the equipment associated with the stored device identifier is enabled by the processor End；And